Merchant Profile

The Merchant Profile page contains information about a specific merchant boarded through your Partner account, including the Merchant account’s balance details, payment activity, and editable account details.

To access the Merchant Profile page:

Select Merchants in the Management category in the left navigation panel.
Select the Merchant’s name in the Merchants table to open the Merchant Profile page.

Merchant Profile Features

Click here to view the features of the Merchant Profile page.

Merchant Information Banner

The Merchant information banner contains information about the Merchant, including the Merchant’s name, category code, address, and boarding information. The Merchant Account Balance, Next Withdrawal amount and date, and Risk Rating are also displayed in the information banner.

The Information Banner supports the following actions:

Access the Merchant Dashboard View by clicking the Door icon next to the Merchant’s name.
Note
Login As access needs to be enabled in order to log in as the Merchant. Access Setup Details for more information.
View the Merchant Balance Details by clicking the available balance in the Account Balance widget.

Merchant Transaction History Graph

The graph located below the Merchant Information Banner displays the Merchant’s recent transaction history, including payments and refunds. Click the black triangle in the upper-left corner of the graph to change the view between the last 7 days and the last 30 days.

The Merchant Transaction History Graph supports the following actions:

Access the Merchant Payment History by clicking View Transactions.
Access the Merchant Transaction Risk by clicking Transaction Risk.
Access information about Merchant Underwriting by clicking Underwriting.

Account Overview Panel

The lower half of the Merchant Profile page contains the Account Overview Panel, which includes tabs on the left side of the panel. The tabs contain editable details about the Merchant profile, banking information, and other account details. The following sections describe the contents of each tab.

Business Tab

The Business tab contains information about businesses associated with the Merchant account. It is divided into a Business Details section and an Account section. Click either Business or Account at the top of the panel to view each section.

The Business section contains the following editable fields:

Legal Business Name: The legal business name of the Merchant.
IRS Filing Name: The name control established by the IRS and associated with the Merchant EIN.
Statement Descriptor: The business name that appears on customer credit card statements.
Preview: The business name that appears on a customer’s bank statement or other documentation of a transaction.
TIN Type: The type of TIN: TIN, SSN, or Other.
TIN: The Taxpayer Identification Number assigned by the IRS.
TIN Validation Status: The Tax Identification Number validation status: None, Pending, Valid, or Invalid.
Business Type: The type of business associated with the Merchant: Sole Proprietor, Corp, LLC, Partner, Nonprofit, or Gov.
Public Company: Whether the company is publicly listed: Yes or No.
Custom Description: A description entered by the Merchant or Partner.
Secondary Payout Descriptor: To customize the descriptor on a Merchant Disbursement, Payrix Pro Partners can add a Secondary Statement Descriptor on the entity or a payout schedule. See Secondary Descriptors for details.
Industry: The type of industry related to the Merchant’s business activity.
Percent B2B Sales: The percentage of transactions that occur due to business-to-business sales.
Percent Ecomm Transactions: The percentage of transactions that occur due to Internet commerce.
Percent Keyed Transactions: The percentage of transactions that occur when the credit card information is manually keyed at the terminal or point of sale.
Website: The business’s website.
Email: The Merchant’s email address.
Risk Check Status: The status of the last risk check.
Advanced Billing Indicator: Indicates whether the Merchant accepts pre-purchase for products that are shipped at a later date or not currently available: None, Yes, or No.
NDX Shipping Days: The number of days to ship and deliver the product.
Seasonal Status: Indicates if the merchant is seasonal or operates year-round: Yes or No.
Location Type: Description of the type of address where the business operates: Retail Storefront, Warehouse, Private Residence, Other, or Res-Prof/Construction.
New: Whether this merchant is new to processing credit cards: Yes or No.
Address: The street address portion of the Merchant’s mailing address.
Address 2: The suite number or other information associated with the Merchant address.
City: The city portion of the Merchant’s mailing address.
State: The state portion of the Merchant’s mailing address.
Zip: The zip code portion of the Merchant’s mailing address.
Country: The country portion of the Merchant’s mailing address.
Timezone: The time zone at the location of the Merchant’s mailing address.
Phone: The Merchant’s phone number.
Customer Service Phone: The phone number used to reach the business' customer service department.
Fax: The Merchant’s fax number.
Custom Fields: Custom fields appear in this table. To add a custom field, click Add Custom Field and enter the custom field details.

The Account section contains the following editable fields:

Merchant ID: The Payrix Pro platform-generated ID of the Merchant.
Entity ID: The Payrix Pro platform-generated ID of the entity.
Login ID: The Payrix Pro platform-generated ID used by the Merchant to log in to the Portal.
Login Name: The name associated with the Merchant account.
Division ID: The Payrix Pro platform-generated ID of the Merchant’s division.
Division Name: The name of the Partner’s portfolio.
Fund ID: The Payrix Pro platform-generated ID of payouts received from the Merchant.
Boarded: The date that the Merchant was boarded to the portal.
Created: The date that the Merchant profile was created.
Platform: The payment processing platform linked to the Merchant’s account details.
Boarding Status: The boarding status of the Merchant: Not Ready, Board Immediately, Pending, Successfully Boarded, Manual Review, Denied/Closed, or Incomplete.
Status: The status of the Merchant: Active or Inactive.
Amex: The Merchant account’s American Express credit card number.
Discover: The Merchant account’s Discover credit card number.
Merchant Category Code: The four-digit numerical code that describes a Merchant's primary business activities.
Merchant Type: The primary means by which the merchant accepts payments: Merchant accepts cards in person primarily, Customers enter their payment information online primarily, Merchant is a fuel, petrol, or gas station, Merchant takes payment information over the phone or mail primarily, Merchant is a restaurant, Service Station, or Merchant is a supermarket.
Express Batch Close Method: The methods by which the batch is closed: Time Initiated or Merchant Initiated.
Express Batch Close Time: If the Express Batch Close Method is set to Time Initiated, this is the time that the batch is closed.
T&C Version: The Payrix Pro platform Terms and Conditions version.
T&C Date Accepted: The date on which the Merchant accepted the Payrix Pro platform Terms and Conditions.
T&C Time Accepted: The time at which the Merchant accepted the Payrix Pro platform Terms and Conditions.
T&C IP Accepted: The IP address of the user that accepted the Payrix Pro platform Terms and Conditions.
Annual Sales: The dollar amount of annual sales for the Merchant’s account.
Average Ticket: The average of all transaction amounts across a single Merchant.
SAQ Type: The type of PCI Self-Assessment Questionnaire (PCI SAQ) completed by the Merchant. The PCI SAQ is a Merchant's statement of PCI compliance.
Last SAQ Completion Date: The date that the SAQ was completed.
QSA: The name of the Qualified Security Assessor that validated the SAQ for the Merchant.
VISA Disclosure: Whether the user accepted the Visa Regulation Disclosure: Yes or No.
T&C Attestation: Whether the Merchant provided an attestation that the information they have provided is correct and accurate to the best of their knowledge: Yes or No.
Member Bank Disclosure IP: The IP address of the user that accepted the Member Bank Disclosure.
Member Bank Disclosure Date: The date that the user accepted the Member Bank Disclosure.
Establish: The date when the Merchant’s business was established.

Business Tab Actions

The Business tab contains business and account information that can be edited by the Partner.

To edit information in the Business section:

Click the Edit icon at the top right corner of the Business section.
Edit the information in the section.
Save the edited information by clicking the Checkmark icon.

To edit information in the Account section:

Click the Edit icon next to the Account section header.
Edit the information in the section.
Save the edited information by clicking the Checkmark.

More information about Business form descriptions can be found in Signup Form Definitions.

To clone a Merchant:

Click Clone Merchant at the top right corner of the Account section.
Click Yes in the dialog to confirm cloning of the Merchant, or cancel cloning of the Merchant by clicking No.

Your cloned Merchant is created and added to the Merchants tab.

Owners Tab

The Owners tab contains information about the owner or owners of the Merchant account and allows you to add new owners, add authentication steps, create watch lists, or add to watch lists.

The Owners tab contains the following editable fields for the Primary Owner:

ID: The Payrix Pro platform-generated ID of the primary owner’s account.
First Name: The primary owner’s first name.
Middle Name: The primary owner’s middle name.
Last Name: The primary owner’s last name.
Date of Birth: The primary owner’s date of birth.
SSN: The primary owner’s social security number.
Business Title: The primary owner’s business title.
Ownership %: The percentage of the business owned by the primary owner.
Drivers License: The primary owner’s driver’s license number.
Drivers License State: The state that issued the primary owner’s driver’s license.
Address: The street address portion of the primary owner’s mailing address.
Address 2: The suite number or other information associated with the primary owner's address.
City: The city portion of the primary owner’s mailing address.
State: The state portion of the primary owner’s mailing address.
Zip: The zip code portion of the primary owner’s mailing address.
Country: The country portion of the primary owner’s mailing address.
Citizenship: The primary owner’s citizenship.
Timezone: The time zone at the primary owner’s mailing address.
Phone: The primary owner’s phone number.
Fax: The primary owner’s fax number.
Email: The primary owner’s email address.
Identity Verification: Displays information about the identity verification process.
Significant Responsibility: Select Significant Responsibility if the owner has significant responsibility for managing the Merchant or entering company contracts with the Payrix Pro platform. This includes executive officers or senior managers like CEO, CFO, COO, Managing Member, General Partner, President, VP, or Treasurer.
Politically Exposed Person: Select Politically Exposed Person if the owner is considered a politically exposed person (PEP). A PEP is a person with a prominent public position such as an elected government position. Due to their position, they are considered financially risky because they may be more susceptible to bribery, corruption, or other illegal activities.

Owners Tab Actions

The Owners tab supports editing information and adding an owner.

To edit information in the Owners tab:

Click the Edit icon at the top right corner of the Owners tab.
Edit the information in the form.
Save the edited information by clicking the Checkmark.

To add an owner:

Click ADD OWNER to open the Add Owner dialog on the page.
Enter the new owner information.
Save the new owner information by clicking ADD at the bottom of the dialog.

The Merchant Owner Scores are displayed at the bottom of the Owners tab. The Owner Scores are a group of risk metrics calculated when a business owner is onboarded and undergoes Payrix Pro risk assessments. The following Merchant owner scores are available in the Owners tab:

Advanced Owner Authentication
Ownership Authentication
Owner Authentication
OFAC Watchlist
Custom Watchlist

Users Tab

The Users tab contains information about the users associated with the Merchant. The users associated with the Merchant are listed in a table, which contains the following fields:

Username: The username of the user accessing the Portal.
Name: The name of the user accessing the Portal.
Email: The email address associated with the user account.
Status: Whether the user is active or inactive.
Main Role: The main user role of the user. Access User Roles for more information on the types of roles.

Users Tab Actions

The Users tab supports the following actions:

Access specific user information by selecting any information in the table to view the Users page for that user.
Click the Door icon to log in to the Portal as the user selected from the table.

Banking Tab

The Banking tab contains information about bank accounts associated with the Merchant and allows you to edit account information or add a new bank account. The bank accounts associated with the Merchant are listed in a table, which contains the following fields:

Name: The name of the bank account as described by the Partner or Merchant.
Primary Bank Account: Indicates whether the account is the primary account associated with the Merchant.
Routing Number: The routing number of the bank account.
Account Number: The account number of the bank account.
Plaid: Indicates whether Plaid is connected to the account.

Banking Tab Actions

The Banking tab supports editing a bank account and adding a new account.

To edit a saved bank account:

Click the Edit icon on the right side of the table row associated with a specific account to open the Edit Account dialog.
Select Plaid to verify bank account details with Plaid or Manual Entry to manually enter the bank account details.
Important!
To edit your primary bank account, you must upload a bank statement, bank letter, or voided check. This account will be inactive until the edits are approved, which can take three to five business days.
Click Next to verify the account information, then click Save.

To add a new account:

Click ADD NEW ACCOUNT to open the Add Account dialog on the page.
Select Plaid to verify bank account details with Plaid or Manual Entry to manually enter the bank account details.
Important!
To add a new bank account, you must upload a bank statement, bank letter, or voided check. This account will be inactive until the edits are approved which can take three to five business days.
Click Next to verify the account information, then Save.

Risk Actions Tab

The Risk Actions tab contains information about reserve funds associated with the Merchant. The top of the tab contains the Reserves banner, which shows the total dollar amount of reserves for the merchant, transactions, total reserves, and the total amount held.

Scheduled Reserves

The Scheduled Reserves panel displays a table with information about funds that are held and released on a set schedule. The Scheduled Reserves table contains the following fields:

Name: The name of the reserve fund, given by the Partner or Merchant.
Percent: The percent of the balance to reserve.
Release every: The schedule for the reserve release.
Finish date: The date of the last reserve release.
Status: The status of the reserve.
Created by: The entity who created the reserve.

To schedule a new reserve:

Click SCHEDULE RESERVE in the upper right corner of the Scheduled Reserves panel to open the Reserves dialog.
Enter the reserve information into the fields in the dialog.
Add the new reserve to the merchant profile account by clicking Add.

Merchant Risks Reserves

The Merchant Risks Reserves panel displays a table with information about funds currently in reserve due to Merchant risk. The Merchant Risk table contains the following fields:

Created By: The entity who created the reserve.
Amount: The dollar amount in the reserve.
Actions: The actions available for the funds in the reserve.

To add a new reserve fund to the Merchant Risk Reserve:

Click RESERVE in the upper right corner of the Merchant Risk Reserves panel to open the Reserve dialog.
Enter the reserve information into the fields in the dialog.
Add the new reserve to the merchant profile account by clicking Add.

Transactions In Risk Queue

The Transactions In Risk Queue table displays a list of transactions held in reserve due to Transaction Risk. This table supports the following actions:

Access the Risk Management page by selecting any information in the table.
Click the three-dot menu to access actions for each transaction in the table: Send to Reserve, Approve, Mark as Reviewed, or Transaction Risk.
To apply an action to multiple transactions in the table, select the checkboxes for specific transactions, then click Batch Actions and select an action to apply.

Fees and Pricing Tab

The Fees and Pricing tab contains three tables of fees associated with the Merchant account: Active Fees, Inactive Fees, and Applied Fees. The tables contain the following fields in the default setting:

Name: The name of the fee, given by the Partner.
Amount: The dollar amount of the fee.
Type: The type of fee selected by the Partner.
Repeat every: How often the fee is triggered.
Start: The date that the fee was implemented.
Owner: The user that oversees the fee implementation.

Fees and Pricing Tab Actions

The Fees tab supports adding a new fee and viewing more information.

To add a new fee to the Merchant profile:

Click ADD FEE in the upper-right corner of the Active Fees table to open the Add Fees dialog.
Enter the information in each field.
Add the new fee to the merchant profile account by clicking Add.

Click the grey triangle on the right side of the table row to view the Payrix Pro platform-generated ID number associated with a specific fee.

Access the Fees page by selecting any information in the row.

Groups Tab

The Groups tab displays any groups associated with the Merchant, as well as any fees or decisions associated with the groups.

To assign a Merchant to an existing group:

Select the Plus icon and choose a group from the dropdown menu.
Click the Checkmark icon to confirm the selected group.

Once the merchant is assigned to a group, a table displaying associated fees will appear in the Group tab.

To remove a merchant from a group:

Click the X in the top right corner of the panel displaying the group name to open the Delete Merchant dialog.
Confirm the removal of the Merchant from the group by clicking REMOVE.

More information about creating and managing your groups can be found in the Groups section of the Management category.

Terminals Tab

The Terminals tab displays a table listing terminals associated with the Merchant and allows you to add a new terminal. The table contains the following information:

ID: The Payrix Pro platform-generated ID of the terminal.
Name: The name of the terminal as designated by the Merchant or Partner.
Auto Close: Whether the terminal is set to auto-batch close. When auto-close is selected, the batch close is automatically engaged at a preset time each day.
Type: The type of terminal.
Status: The status of the terminal: Active or Inactive.

Terminals Tab Actions

To access more information about a specific terminal, select any information in the table row to open the Terminal page.

To add a new terminal:

Click ADD TERMINAL to open the Add Terminal dialog.
Enter the terminal information.
Save the new terminal by clicking Add Terminal.

To remove a terminal from the Merchant profile:

Click the Trash icon in the row of a specific terminal to open the Delete dialog.
Confirm removal of the terminal by clicking YES, or cancel by clicking NO.

Terminal Transactions Tab

The Terminal Transactions tab displays a table of recent terminal transactions by the Merchant. The Terminal Transactions table contains the following information in the default view:

Amount: The dollar amount of the terminal transaction.
Status: The status of the transaction: Approved, Pending, or Failed.
Payment: The card brand and the last four digits of the card used for the transaction.
Created: The date that the terminal transaction was created.
Bank Net Settlement Date: The date when the net transaction amount between banks is finalized and settled.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.

Terminal Transactions Action

Access additional details about a specific terminal transaction by selecting any information in the table row to open the Terminal Transactions page for the Merchant.

Change Request History

The Change Request History tab displays a list of all change requests submitted, whether pending, approved, or declined. The Change Request History table contains the following information:

ID: The unique identifier associated with the change request.
Fields: The fields that are requested to be changed.
New Value: The updated field values.
Date: The date that the change request was made.
Status: The review status of the change request.

Profit Sharing Tab

The Profit Sharing tab displays a table of profit shares associated with the Merchant and allows you to add new profit shares to the Merchant's profile. The Profit Sharing table contains the following information:

ID: The Payrix Pro platform-generated ID of the profit share.
Created: The date and time that the profit share was created.
Name: The name of the profit share, generated by the Partner.
Type: The type of profit share: Income, Expense, or Both.
Amount: The amount of the profit share, displayed as a percentage.

Profit Sharing Actions

The Profit Sharing tab supports adding a new profit share and removing a profit share.

To add a new profit share to the Merchant profile:

Click ADD PROFIT SHARE to open the Profit Share dialog.
Enter the required information.
Click Add Profit Share to add the profit share to the Merchant profile.

To remove a profit share from the Merchant profile:

Click the three-dot icon on the right side of the row of the specific profit share to open the Delete dialog.
Remove the profit share by clicking CONFIRM, or cancel by clicking Cancel.

Plans Tab

The Plans tab displays a table of subscription payment plans associated with the Merchant, and allows you to add a new plan to the Merchant profile. The Plans table contains the following information in the default view:

Name: The name of the subscription plan.
Schedule: The payment schedule for the subscription plan.
Amount: The dollar amount of each scheduled payment.
Status: The status of the subscription: Active or Inactive.
Subscriptions: The number of customer with subscriptions under the plan.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.

Plans Actions

The Plans tab supports accessing plan details and adding a new payment plan.

To access the Plan Details page, select any information in a row of the Plans table.

To add a new payment plan:

Click ADD PLAN to open a dialog on the page.
Enter the required information.
Click Add to add the plan to the Merchant profile.

Withdrawals Tab

The Withdrawals tab contains two sections: the Withdrawal Schedules table and the Withdrawal History for the Merchant account. The tab also allows you to add a new scheduled withdrawal to the Merchant profile.

The Withdrawal Schedules table is located at the top of the panel and contains the following information in the default view:

Name: The name of the scheduled withdrawal.
Frequency: How often the withdrawal occurs.
Amount Type: The type of withdrawal amount: Actual or Percentage.
Amount: The amount of the withdrawal.
Float: The dollar amount that will be withheld from the Partner’s payout.
Account: The account number linked to the withdrawal payment.
Delete: Click the three-dot icon to open the Delete dialog to delete a withdrawal from the Merchant's profile.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.

Withdrawal Schedules Actions

To add a withdrawal schedule to the Merchant account:

Click ADD WITHDRAWAL SCHEDULES at the top right corner of the panel to open the Add Withdrawal Schedules dialog.
Enter the required information.
Click Create Withdrawal to add the withdrawal schedule to the Merchant profile.

To access more information about a specific withdrawal, select any information in the table row to open the Withdrawal Schedule.

Withdrawal History

The Withdrawal History section is located below the Withdrawal Schedules section and displays a table that contains the following information in the default view:

Date Created: The date and time that the withdrawal transaction occurred.
Account: The last four digits of the account linked to the withdrawal payment.
Status: The status of the withdrawal: Requested, Pending, Approved, or Denied.
Amount: The dollar amount of the transaction of the withdrawal.
Arrow Icon: Click the grey triangle in any row to view additional details for a specific transaction, or click the grey triangle in the table header to view additional details for all transactions.

Access additional details about a specific withdrawal by clicking any information in the table row to open the Withdrawal Details.

Holds Tab

The Holds tab contains information about holds places on transactions associated with the Merchant. The Holds table contains the following information:

Login: The Payrix Pro-generated ID for the login.
Date Released: The date the hold was released.
Date Reviewed: The date the hold was reviewed.
Action: The status of the hold.

Disputes Tab

The Disputes tab contains information related to disputed transactions associated with the Merchant and payment returns made by the Merchant. The Disputes table contains the following information:

Type: The dispute type.
Reason: The reason for the dispute.
Amount: The dollar amount of the dispute.
Payment Method: The brand and last four digits of the card used in the disputed transaction.
Cardholder Name: The name of the cardholder in the disputed transaction.
Company: The Merchant in the disputed transaction.
Reply by: The last date that the Merchant can reply to the dispute.
Status: The current status of the dispute.

The Payment Returns table is located in the section below the Disputes table and contains the following information:

Name: The name of the customer associated with the disputed transaction.
TXN ID: The Payrix Pro platform-generated transaction ID.
Account: The account associated with the disputed transaction.
Amount: The dollar amount of the transaction.
Created: The date that the dispute was created.
Return Code: The reason for the disputed payment.

Disputes Table Actions

Access the Dispute Details for a specific dispute by clicking on any information in the table.

Platform IDs Tab

The Platform IDs tab contains information about any payment platforms used by the Merchant. There are five platform types displayed on the tab: Vantiv, VCore, Wells Fargo, Wells ACH, and First Data.

The Vantiv Platform IDs section contains the following information:

MID: The alphanumeric ID of the specific Merchant.
Legal Entity ID: The ID number of the Merchant business.
Sub-Merchant ID: The ID number indicating that the Merchant was boarded under another Merchant.
Funding ID: The ID number of the transaction in which funds are deposited to an account.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.

The VCore Platform IDs section contains the following information:

MID: The alphanumeric ID of the specific Merchant.
Funding ID: The ID number of the transaction in which funds are deposited to an account.
Store ID: The ID number of the storefront where the payment platform is used.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Create: The date that the platform ID was added to the portal.
Express Sub-Account: Indicates whether the platform is associated with a VCore Express Sub-Account.
Account Token: The tokenized ID of the payment platform.
Account ID: The ID number of the bank account connected to the payment platform.
Acceptor ID: The ID number of the location from which a money transfer originates.
Default Terminal ID: The ID number assigned by default to the platform terminal.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.

The Wells Fargo Platform IDs section contains the following information:

MID: The alphanumeric ID of the specific Merchant.
AMEX Charge ID: The ID number associated with American Express transactions.
Frontend ID: The ID number associated with the terminal where the Merchant requests a transaction authorization and where all configuration and settings are set for the payments process.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Store ID: The ID number of the storefront where the payment platform is used.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.

The Wells ACH Platform IDs section contains the following information:

MID: The alphanumeric ID of the specific Merchant.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.

The First Data Platform IDs section contains the following information:

MID: The alphanumeric ID of the specific Merchant.
Chain ID: The ID number of the chain of stores where the payment platform is used.
Currency: The type of currency for the transactions.
Funding Currency: Money borrowed in one currency to fund another currency.

Notes Tab

The Notes tab displays Merchant and Transaction Notes associated with the Merchant profile. You can add or edit notes found in the tables on this tab.

Merchant Notes

Access the Merchant Notes section by clicking Merchant Notes in the top left corner of the tab. The Merchant Notes table contains the following information:

Created: The date and time that the note was added to the Portal.
Created By: The entity that created the note.
Type: The type of note: Note, Risk, Approved Risk, Pending Risk, Cancelled Risk, Denied Risk, Closed Risk, Investigation Risk, Pending Data, Risk Funds, Released Risk, or Activity Approved.
Public: Whether the note is public.
Source: The source of the note.
Note: The contents of the note.

Merchant Notes Actions

To add a new note to the Merchant Notes table:

Click ADD NOTE in the top right corner of the tab to open the Add Note dialog.
Select the TYPE of note from the dropdown and enter the note contents into the Note field.
(Optional) To make the note public, click Make note public.
To add the note to the table, click Add.

Use the three-dot icon in the Merchant Notes table to Edit, Pin, Unpin, or Remove a note. Pinned notes appear at the top of the table.

Caution
Once a note is removed from the table, its contents will be permanently deleted.

Transaction Notes

Access the Transaction Notes section by clicking on Transaction Notes in the top left corner of the tab. The Transaction Notes table contains the following information:

Created: The date and time that the note was added to the Portal.
Created By: The entity that created the note.
Type: The type of note: Note, Risk, Approved Risk, Pending Risk, Cancelled Risk, Denied Risk, Closed Risk, Investigation Risk, Pending Data, Risk Funds, Released Risk, or Activity Approved.
Public: Indicates whether the note is public.
Source: The source of the note.
Payment: The type of payment associated with the transaction.
TXN Amount: The dollar amount of the transaction.
Note: The contents of the note.

Transaction Notes Actions

To pin a transaction to the top of the table, click the Pin icon. Access the Transaction Details for a specific transaction by selecting any information in the table.

Documents Tab

The Documents tab contains downloadable Merchant documents and transaction documents associated with the Merchant profile and allows you to upload new documents.

Merchant Documents

Access the Merchant Documents section by clicking Merchant Documents in the top left corner of the tab. The Merchant Documents table contains the following information:

Created: The date and time the document was added.
Type: The type of document: General, Personal ID, Company ID, Voided Check, Bank Statement, Bank Letter, or Contract.
Name: The name of the document.
Note: A note that describes the document.
Status: The execution status of the document: Processed, Pending, or Failed.
Source: The source who added the document.

Merchant Documents Actions

To add a Merchant document:

Click ADD DOCUMENT to open the Add Document dialog.
Select the document Type and upload the document.
Click Add to add the document.

Click the three-dot icon on the right side of the table row to open a dropdown menu with the following options:

Download: Download a copy of the document.
Edit: Edit information associated with the document.
Remove: Remove the document from the Portal.
Copy ID: Copy the Merchant ID associated with the document.

To remove a document from the Documents table:

Click the three-dot icon on the right side of the table row to open a dropdown menu on the page.
Click Remove in the dropdown menu.
Click CONFIRM to remove the document.

Transaction Documents

Access the Transaction Documents by clicking Transaction Documents in the top right corner of the tab. The Transaction Documents table contains the following information:

Created: The date and time the transaction document was added.
Type: The type of document.
Name: The name of the document.
Note: The note added when the document was added.
Status: The status of the transaction associated with the document.
Source: The source of the document.
Payment: The brand and last four digits of the card used in the transaction associated with the document.
TXN Amount: The amount of the transaction associated with the document.

Transaction Documents Actions

Click the three-dot icon on the right side of the table row to open a dropdown menu with the following options:

Download: Download a copy of the document.
Edit: Edit information associated with the document.
Remove: Remove the document from the Portal.
Copy ID: Copy the transaction ID associated with the document.

To remove a document from the Documents table:

Click the three-dot icon on the right side of the table row to open a dropdown menu on the page.
Click Remove in the dropdown menu.
Click CONFIRM to remove the document.

Billing Schedules Tab

The Billing Schedules tab contains information about subscription payments associated with the Merchant profile and allows you to add new billing schedules to the profile. The Billing Schedules table displays the following information:

ID: The unique identifier associated with the billing schedule.
Schedule: The billing schedule for the subscription payment.
Description: A description of the billing schedule entered by the Partner or the Merchant.
Created: The date and time the billing schedule was created.

Billing Schedules Action

To add a new billing schedule:

Click ADD BILLING SCHEDULES to open the Add Billing Schedule dialog.
Enter the billing schedule information.
Click Add to add the billing schedule.

To remove a billing schedule from the table:

Click the Trash icon in the table row to open the Remove dialog.
Click CONFIRM to remove the billing schedule.

Caution
Once a billing schedule is removed from the Portal, its contents will be permanently deleted.

Setup Details Tab

The Setup Details tab contains view-only details of the merchant’s parameters as set by the Partner. The parameters are divided into sections and are located at the top of the Setup Details tab: General, Boarding, Transaction Limits, Payouts, Extra, and Advanced. Click on a heading to see the setup details associated with that parameter.

Note
Setup Details are enabled at the Facilitator user access level.

General

The General section of the Setup Details tab displays information related to the Merchant’s abilities in the Portal, including the following information:

Account Verification Disabled: Whether the account verification feature is enabled.
Setup Details Enabled: Whether setup parameters are visible by the Merchant.
Decision Micro-Service Enabled: Whether a micro-service process for decisions is enabled for the Merchant.
Transaction Decisions Micro-service Enabled: Whether a micro-service process for transactions is enabled for the Merchant.

Boarding

The Boarding section of the Setup Details tab contains information related to the Merchant’s boarding capabilities, including the following information:

Opt Blue Enabled: Whether boarded Merchants should be acquired for American Express processing through the OptBlue Program.
Discover Acquired Enabled: Whether boarded Merchants should be acquired for Discover processing through the Discover Acquired Program.
Verify for Boarding Not Required: Requires bank account verification before a Merchant is boarded.
Auto Reboard Days: The number of days after the Merchant's onboarding request is submitted to attempt re-boarding if the account went through a manual review on the processor's end. This will resubmit the boarding request to attempt to board a Merchant that has not yet boarded. The default setting is 60.
Whether to Disable Merchant Boarding to Processors: Allows you to disable Merchant boarding to processors.
Minimum Boarding Ownership: The minimum percentage of ownership required for Merchant onboarding over all members.
Boarding Exemptions Disabled: Whether certain API requirements to submit requests without all the required fields are disabled.

Transaction Limits

The Transaction Limits section of the Setup Details tab contains information related to the Merchant’s transaction limits, including the following information:

Maximum Total Transaction: The dollar amount of the maximum total amount for a single transaction to be processed through the Merchant.
Maximum Daily Transaction Total: The dollar amount of the maximum total volume that the Merchant can process per day.
Maximum Daily Transaction Number: The maximum number of transactions that the Merchant can process per day.
Maximum Monthly Total: The dollar amount of the maximum total volume that the Merchant can process per month.
Maximum Monthly Transaction Number: The maximum number of transactions that the Merchant can process per month.
Maximum Subscription Failures: The maximum number of attempts allowed on a subscription payment.
Amex Enabled: Allows the merchant to accept American Express payments.
Discover Enabled: Allows the merchant to accept Discover payments.
eCheck Enabled: Allows the merchant to process eChecks.
Auto Tax Exempt Enabled: Indicates whether a transaction is assumed to be tax exempt if no tax is set for Level 2 processing.
Google Pay Exempt Enabled: Allows the Merchant to accept Google Pay payments.
Apple Pay Exempt Enabled: Allows the Merchant to accept Apple Pay payments.
Minimum Total Transaction: The minimum total dollar amount required for a single transaction to be processed.

Payouts

The Payouts section of the Setup Details tab contains information related to the Merchant’s payout limits, including the following information:

Maximum Payout Credit Total: The maximum credit allowed to the Merchant for payout, shown as a dollar amount.
Minimum Payout Debit Total: Minimum debit allowed to the Merchant for payout, shown as a dollar amount.
Funding Enabled: Allows the boarded Merchant to make withdrawals.
Vendor Fees External: Allows the Merchant to disburse vendor fees through an external facilitator operating account.
Verify For Payout Not Required: Whether account verification is required before the Merchant is allowed to make withdrawals.
Include ACH Holidays and Weekends In Payout Delay: Whether to include ACH holidays and weekends in payout delay.
Payout Include Pending: Allows the Merchant to withdraw a payout if pending funds cover the negative balance.
Minimum Debit Processing Delay: The minimum number of business days before a debit is processed and made available for funding. The default setting is 5.
MC Instant Payouts Enabled: Whether instant payouts (Push To Card) for Mastercard transactions are enabled.
VISA Instant Payouts Enabled: Whether instant payouts (Push To Card) for Visa transactions are enabled.
Same Day Payouts Enabled: Indicates whether same day payouts enabled.
MC Instant Payout Max: The maximum amount disbursed for instant payout (Push To Card) for Mastercard transactions, shown as a dollar amount.
VISA Instant Payout Maximum: The maximum amount disbursed for instant payout (Push To Card) for Visa transactions, shown as a dollar amount.
Maximum Same Day Payout Credit Total: The maximum amount of credit transactions allowed for same day payout, shown as a dollar amount.
Minimum Same Day Payout Debit Total: The minimum amount of debit transactions required to create a same day payout, shown as a dollar amount.
Same Day Payouts Daily Max: The maximum dollar amount allowed daily for same day payouts.
Minimum Payout Credit Total: The minimum credit dollar amount allowed for payout.
Maximum Payout Debit Total: The maximum debit dollar amount allowed for payout.
Minimum Available Funds: The minimum available dollar amount of funds an entity must have. If the entity is below this threshold credit payouts won't be processed and a debit will be processed to bring the entity's funds up to this threshold amount.
Minimum Payout Delay: The minimum number of days the payout will be delayed from date of request until it is processed.
Minimum Statement Debit Payout Delay: A delay that is set on the payout related to a statement. Set to 0 if it should operate the same as credit payouts.
Minimum Funds Payout Total: The minimum total debit allowed for payout, shown as a dollar amount.
Minimum First Payout Delay: The number of days the first payout will be delayed from date of request until it is processed.
Min eCheck Capture Delay: The number of days to delay funds processing for an eCheck sale. The default setting is 1.
MC Instant Payout Min: The minimum dollar amount required for instant payout (Push To Card) for Mastercard transactions.
VISA Instant Payout Minimum: Minimum amount required for instant payout (Push To Card) for Visa transactions.
Minimum Same Day Payout Credit Total: The minimum dollar amount of credit transactions required to create a same day payout.
Maximum Same Day Payout Debit Total: The maximum dollar amount of debit transactions allowed for same day payout.
Minimum Debited Available Funds: Defines the threshold to which the entity's available funds will be returned. This event is triggered when an automated Debit disbursement is requested, due to the Minimum Available Funds falling below the defined setting.

Extra

The Extra section of the Setup Details tab contains the following additional information about the Merchant profile:

Vendor Fees Enabled: Allows vendors to create and assess fees on Merchants.
Refund Releases Reserve: A refund processed for a reserved transaction will automatically release that reserve.
Account Updater Enabled: Whether payments will be checked for updates. Payments will be checked and updated if enabled.
Update all tokens enabled: When enabled, this parameter will send all tokens. When not enabled, this will only send subscription tokens (tokens associated with recurring billing schedules).
Account Updater Frequency: The frequency to check for payment updates.
Visa Misuse Settlement: The number of days before an auth misuse fee should be charged on a Visa transaction that has not settled. The default setting is 10.
Visa Misuse Travel Auto Settlement: The number of days before an auth misuse fee should be charged on a Visa transaction that has not settled. Applies only to Merchants with a Travel and Entertainment merchant category code (MCC).
Visa Misuse Card Present Reversal: The number of hours before an auth misuse fee should be charged on a card-present Visa transaction that was not reversed within the timeframe. The default setting is 24.
Visa Misuse Card Not Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-not-present Visa transaction that was not reversed within the timeframe. The default setting is 24.
MasterCard Misuse Settlement: The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard that wasn't reversed within the timeframe. The default setting is 168.
MasterCard Misuse Card Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 24.
MasterCard Misuse Card Not Present Reversal: The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 72.
MasterCard Misuse Travel Auto Reversal: The number of hours before an Auth Misuse fee should be charged on a Mastercard transaction that wasn't reversed within the timeframe. Applies only to merchants with a Travel and Entertainment merchant category code (MCC). The default setting is 480.

Advanced

The Advanced section of the Setup Details tab contains the following additional information about the Merchant profile:

surchargeEnabled: Confirms with VAP/Vcore that the sub-merchant can send surcharging with their transaction. Access the Worldpay Developer Hub for more information about surcharging.
payoutCutoffTime: The time before which payout must occur in order to receive funds that day.
debtRepaymentEnabled: Whether cash advances or other funding mechanisms are available to the Merchant.
declineNotificationEmail: Indicates the email message settings for declined payouts.
holdMessagesDisabled: Indicates the Portal message settings for declined payouts.
omniTokenEnabled: Whether Omni Token-related transactions are enabled for the Merchant.
passTokenEnabled: Whether Pass Token-related transactions are enabled for the Merchant.

Funding Parameters Tab

The Funding Parameters tab contains details of the Merchant’s funding parameters as dictated by the Partner, and allows you to add new parameters to the Merchant profile. The established funding parameters are displayed in a table, which includes the following information:

Name: The name of the funding parameter.
Created: The date that the funding parameter was created.
Platform: The payment processing platform linked to the funding parameters.
Type: The type of funding parameter: Delay, Off Day Additional Delay, Custom Batch Close Time, Settlement Account Transfer Delay, Settlement Account Transfer Enabled, Settlement Account Transfer Float, Settlement Account Transfer Maximum, Settlement Account Transfer Minimum, and Settlement Account Transfer Percent.
Value: The funding parameter value as a dollar amount.

Funding Parameters Action

To add a new funding parameter:

Click ADD FUNDING PARAMETER to open the Add Funding Parameter dialog.
Enter information about the new funding parameter.
Click Add to save the new funding parameter.

Payment Updates Tab

The Payment Updates tab contains details about updated payment methods for customers. The Payment Updates table contains the following fields in the default view:

Customer: The customer associated with the payment method.
Order Number: The order number for the customer.
Token: The customer’s token.
Last 4: The last four digits of the customer’s card.
Expiration: The expiration date of the customer’s card.
Updated Date: The date the payment method was updated.
Status: The status of the payment method.
Last Payment Made: The date that the last payment was made.

Payment Updates Tab Actions

To download a copy of the table, click .CSV or .XLS in the upper-right corner of the section.

Customize Your Merchant Table View

You can customize your view using the options found at the top of the table. View the Table Search and Sort Instructions for instructions on customizing, sorting, or searching tables.

Expand the sections below to view a complete list of the data that you can display on each customizable table on the Merchant Profile page:

Click here to view the list of Fees and Pricing tab customizations.

Fee Data

ID
Date Created
Created by
Date Modified
Modified By
For Entity ID
Name
Amount
Type
Schedule
Schedule Factor
Start
End
Description
Collection
Collection Factor
Collection Offset
Currency
Status

Entity Data

Entity ID
Login ID
Parameters ID
Type
Name
Address
City
State
Zip
Country
Phone
Fax
Email
Website
EIN
Currency
Status
Custom

Click here to view the list of Terminal Transactions tab customizations.

Terminal TXN Data

Terminal TXN ID
Currency
Platform
Date Created
Created by
Date Modified
Modified By
Type
Description
Order Number
Tax
Amount
Status
Approved
Payment
Referrer
Customer Reference Number
Customer Ticket Number
Gateway Transaction Id
Bank Net Settlement Date

Entity Data

Custom
Entity ID
Login ID
Parameters ID
Type
Name
Address
City
State
Zip
Country
Phone
Fax
Email
Website
EIN
Currency
Status

Customer Data

Company
Zip
First Name
Last Name
Address
City
State
Country
Phone
Email

Merchant Data

Merchant ID
DBA - Statement Descriptor
MCC
Date Created
Created by
Date Modified
Modified By
Date Boarded
Last Transaction Date
Date Established
Status

Click here to view the list of Plans tab customizations.

Plan Data

ID
Date Created
Description
Created by
Date Modified
Modified By
Merchant ID

Click here to view the list of Withdrawals tab customizations.

Withdrawals Schedules Customizations

Payouts Data

ID
Date Created
Start
Status
Date Modified
Created by
Modified By
Login
PayoutFlow ID
Description
Schedule Factor
Minimum

Account Data

Account Routing

Withdrawal History Customizations

Payouts Data

Name
Frequency
Amount Type
Amount
Float
Payout ID
Date Created
Date Modified
Created by
Modified By
Login
Description
Schedule Factor
Start
Minimum
Status

Withdrawal Data

Disbursement ID
Date Modified
Created by
Modified By
Entity ID
Funding ID
Description
Currency
Platform

Account Data

Account Routing

Click the links in the Merchant Profile to access any of the following pages:

Merchant Profile